BlastPoint's Banking Scorecard
Liberty Bank for Savings
Community
Specialty: Mortgage
IL
FDIC cert 29009
Designations: ✓ Mutual
Chicago, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Liberty Bank for Savings has 2 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.60% below tier
- + Nonperforming Asset Ratio 0.48% below tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 2% in Community
- - Liquidity Overhang: Bottom 9% in Community
- - Deposit Outflow: Bottom 48% in Community
- - Efficiency Drag: Bottom 72% in Community
- - Return on Assets 0.87% below tier
- - Net Interest Margin 1.13% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$856.3M
-0.6% YoY
-0.9% QoQ
|
-$535.2M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
40% |
| Total Loans ? |
$552.0M
-1.6% YoY
+0.5% QoQ
|
-$423.5M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
37% |
| Total Deposits ? |
$644.6M
-2.3% YoY
-1.4% QoQ
|
-$520.0M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
33% |
| Return on Assets ? |
0.30%
+487.4% YoY
+19.9% QoQ
|
-0.87% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
2.53%
+22.2% YoY
+2.5% QoQ
|
-1.13% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
86.20%
-11.3% YoY
-0.6% QoQ
|
+23.57% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
0.02%
-92.1% YoY
-18.0% QoQ
|
-0.60% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Top 9% in tier |
| Loan-to-Deposit Ratio ? |
85.63%
+0.7% YoY
+1.9% QoQ
|
+2.57% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
10.52%
-1.2% YoY
-4.4% QoQ
|
-10.53% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? |
0.02%
-92.2% YoY
-16.8% QoQ
|
-0.48% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Top 8% in tier |
| Tier 1 Capital Ratio ? |
58.71%
+17.7% YoY
+15.0% QoQ
|
+48.47% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
0.27%
+15.8% YoY
+28.1% QoQ
|
-0.47% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 9%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 8%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (6)
Flatlined Growth
risk
#7 of 245 · Bottom 2% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.30%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Liquidity Overhang
risk
#24 of 268 · Bottom 9% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
58.71%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
85.63%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
Deposit Outflow
decline
#120 of 248 · Bottom 48% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Efficiency Drag
risk
#109 of 152 · Bottom 72% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
86.20%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 6%
in Community
Why this stands out
Current:
0.30%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 7%
in Community
Why this stands out
Current:
2.53%
(Tier avg: 3.66%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
91
91th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
47
47th pctile
Loan-to-Deposit Ratio
Current: 85.63% · Tier avg: 83.06%
40
40th pctile
Total Assets
Current: $856.3M · Tier avg: $1.4B
37
37th pctile
Total Loans
Current: $552.0M · Tier avg: $975.5M
33
33th pctile
Total Deposits
Current: $644.6M · Tier avg: $1.2B
19
19th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 10.52% · Tier avg: 21.05%
7
7th pctile
Net Interest Margin
Current: 2.53% · Tier avg: 3.66%
6
6th pctile
Return on Assets
Current: 0.30% · Tier avg: 1.16%
5
5th pctile
Efficiency Ratio
Current: 86.20% · Tier avg: 62.63%
Top Weaknesses
5
5th pctile
Efficiency Ratio
Current: 86.20% · Tier avg: 62.63%
6
6th pctile
Return on Assets
Current: 0.30% · Tier avg: 1.16%
7
7th pctile
Net Interest Margin
Current: 2.53% · Tier avg: 3.66%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 10.52% · Tier avg: 21.05%
19
19th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
33
33th pctile
Total Deposits
Current: $644.6M · Tier avg: $1.2B
37
37th pctile
Total Loans
Current: $552.0M · Tier avg: $975.5M
40
40th pctile
Total Assets
Current: $856.3M · Tier avg: $1.4B
47
47th pctile
Loan-to-Deposit Ratio
Current: 85.63% · Tier avg: 83.06%
91
91th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
92
92th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%